Live Oak Bancshares, Inc.
LOBFinancial ServicesNASDAQBanks - Regional
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Daily timeframeLive Oak Bancshares, Inc. operates as the bank holding company for Live Oak Banking Company that provides various banking products and services in the United States. The $1.75B market capitalization puts LOB squarely in small-cap range for its industry. The company accepts various deposit products, including noninterest-bearing demand, as well as interest-bearing checking, money market, savings, and time deposits.
Market Cap
$1.75B
Beta
1.92
P/E (TTM)
14.43
P/E (Fwd)
9.15
EPS (TTM)
$2.62
EPS (Fwd)
$4.13
ROE
10.9%
ROA
0.9%
Cash
$816.4M
Total Debt
$99.7M
Free CF
—
52W Change
37.4%
Annual Financials
Cash vs Debt
With $816.4M in cash and $99.7M in debt, LOB maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Return on equity stands at 10.9%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 0.9% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $391.9M (2022) to $541.2M (2025), reflecting a 38% increase over the period.
With a beta above 1.5, LOB tends to amplify broader market moves — both up and down. This higher volatility means larger price swings are common. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Live Oak Bancshares, Inc.'s trajectory.